Kotlin Multiplatform · Mifos X · Offline-first
Community banking,
digitized end-to-end.
MifosSave digitizes the full lifecycle of self-funded community savings groups — VSLA, ROSCA, ASCA, SHG — from meetings and savings to lending and share-out. It works fully offline and syncs to Mifos X, built for low-literacy field use.
Built the way real groups actually work
Millions organize into VSLA / ROSCA / SHG groups to pool savings, issue loans, and distribute profits — today on paper ledgers prone to error and fraud. MifosSave replaces the ledger, not the group.
Offline-first
Full functionality with no internet — every action is captured locally and syncs to Mifos X automatically when connectivity returns.
Meeting-centric
Mirrors the real flow: attendance → savings → loans → decisions → close. The app follows the meeting, not a menu.
Mifos X-backed
Enterprise-grade financial record-keeping via the proven open-source Mifos X core banking platform — every balance is a real record.
Transparent
Every member sees group balances, loan status, and live share-out projections in real time — no hidden ledger.
Low-literacy UX
Icon-heavy, minimal text, large touch targets, voice prompts — designed for field use by first-time smartphone users.
One identity
Anyone self-signs-up. Capabilities auto-resolve per group from the roles you hold — organize one group, be a member of another.
The whole group-banking lifecycle
24 features across five epics — 17 shipping in v1.0.0, the rest on the v1.1 roadmap. Each maps to real screens, flows, and Mifos X endpoints.
🧱 Core group infrastructure v1.0.0
🔐 Unified auth
Self-signup with one identity; per-group roles (organizer / member / supervisory) resolved after login.
🌱 Self-signup organizer
Create a group in under 5 minutes; pick its type from a guided picker.
⚙️ Group-type config
VSLA, ROSCA, SHG, ASCA — each with its own savings, loan, and distribution rules.
✉️ Member invitations
Invite by link or code; invitees auto-associate and land in the group.
👥 Group & member management
Group lists, dashboards, member onboarding, profiles and per-group roles.
📱 End-user dashboard
Personal savings, loans, and a self-service loan-request flow for every member.
🧭 Demo explore
Guest, offline-seeded session so anyone can try the app with no account.
🗓️ Meeting & savings engine v1.0.0
🗓️ Meeting lifecycle
Calendar, conduct (attendance → savings → loans → close), summary and review.
💰 Savings collection
Per-member contributions captured in the meeting; group-linked savings accounts.
🏺 Corpus tracking
Live group corpus with outflow guards so a meeting can't overspend the fund.
⏱️ Fines tracking should
Attendance and late fines recorded against the meeting attendance sheet.
💳 Lending & distribution v1.0.0
💳 Loan management
Apply, group-vote, disburse, and repay — driven from the meeting.
📊 Loan ceilings
Per-group loan policy with per-member ceiling overrides.
🪙 Share-out
End-of-cycle payout with a preview then execute step.
🔁 Pluggable distribution
VSLA share-out, ROSCA rotation, and auction payout — swappable per group type.
🧰 Platform foundation v1.0.0
🔄 Offline sync
Sync-status surface, conflict handling, and a durable offline queue to Mifos X.
🔔 Notifications
In-app feed for invites, meetings, loan decisions, and sync events.
🌍 Multi-language should
Localized UI for low-literacy, multi-lingual field communities.
🛡️ Supervision & social v1.1.0
🛡️ Loan guarantees
Guarantor selection wired into loan detail and approval.
❤️🩹 Repayment health
Per-member repayment-health card across loan and meeting views.
🧑💼 Field-officer view
Supervisory dashboard across the groups an officer oversees.
🎗️ Social fund could
Welfare / social-fund tracking alongside the savings corpus.
Download & test it
The Android build is live on Firebase App Distribution; iOS beta ships through TestFlight. Google Play and the App Store are coming soon.
6 live accounts, ready to use
Six demo accounts are seeded on both the mifos-bank-2 active instance and the sandbox — one per user type. Same credentials on both. Use phone number as username. No account creation needed.
| Name | Login (phone) | Password | Role |
|---|---|---|---|
| Amina Otieno | +254700000001 | DemoExplore@2026 | Organizer + Treasurer — primary VSLA showcase |
| Joseph Mwangi | +254700000002 | DemoChair@2026 | Chairperson — approves loans, chairs meetings |
| Grace Wanjiru | +254700000003 | DemoMember@2026 | Member — savings + active disbursed loan |
| Faith Njeri | +254700000004 | DemoOrganizer@2026 | Organizer — founds & runs the group |
| Peter Kamau | +254700000005 | DemoSecretary@2026 | Secretary — meeting minutes & attendance |
| David Ochieng | +254700000010 | DemoField@2026 | MFI field officer — cross-group oversight |
mifos-bank-2
(tenant mifos-bank-2, primary) or the sandbox (tenant default, fallback) using
POST /self/authentication with the phone number as username. All 6 accounts are members of the seeded
Mwangaza Women's Group (VSLA). Login curl example and companion BFF endpoint →
· Try endpoints live →Full API documentation
51 endpoints across 10 surfaces plus 21 Mifos X datatables — everything MifosSave calls, generated via /mifos-bridge.
End-to-end user journeys
15 documented journeys — signup to share-out, join-with-code, meeting-conduct, offline-sync — used as the app's E2E test suite.